Tag Archives: poverty

Meet the 99ers: “Even McDonald’s Won’t Hire Me”

4 Mar

Last but not least is Louis99ers-hdre’s story, the first 99er I interviewed. When I look back now, I think of Louise’s struggle as a mom and how terrified I would be not to be able to take care of my child. I hope I’m never there, but if there’s one thing I have learned about interviewing people who have hit rock bottom is that it can happen to anyone. I’m most anxious to catch up with Louise and hear how she is doing. Check back for updates on the 99ers, and read the rest of my series on people who maxed out their unemployment after the Great Recession with Yvonne, Ricky, Susan and Doug.

007-250x187-1When I first heard that unemployment benefits can last up to 99 weeks, I have to admit that I was a little skeptical.

I thought, that’s almost two years of checks. Someone can’t find a job after looking for two years?

Then I heard Louise’s story.

Louise Davies of Boston, Massachusetts had worked in retail for 18 years when she was laid off from Macy’s in 2008. Desperately looking for a job, she just exhausted her 99th week of unemployment.

When a person’s laid off, she normally gets about 26 weeks of unemployment from her state. But in this Great Recession, Congress has authorized additional federal tiers, which add up to 99 total weeks of unemployment benefits. Once a person gets to the fourth tier and is done with her 99 weeks, her benefits are done, no matter her job situation.

That’s where Louise is today. Ninety-nine weeks and no job in sight. She’s not alone — though there aren’t hard numbers yet, an estimated one million people could become “99ers” by the end of 2010. There are between five and six job seekers for every opening, and it is now taking people longer than ever before to find employment; the average unemployed person is out of work for a record 31.2 weeks. A quarter of the unemployed — equivalent to the population of Connecticut — have already been out of a job for more than a year.

At 40, Louise is a wife and a mom, and she’s been working since she could get her workers permit at 16.

“I used to ride my bike to my local McDonald’s for a 7 a.m. shift,” she said.  “Now even they won’t hire me because I’m over-experienced.”

Job hunting is what consumes her, every day.

“I look for jobs on every available board, paper or every person I have networked with several times a day,” Louise said. “This past week, I received my first response in two months: ‘I am sorry but we believe that we have found candidates that are better suited for this position than you.'”

Her benefits have been barely keeping the family afloat since she was laid off. Her husband works for FedEx and was working on his master’s degree before this happened. Their finances are a wreck.

“We’ve had to sell our car, burn through both of our 401(k)s and charge up all our credit cards just to stay afloat,” she says. “We’re a month behind on our rent. I jump every time the doorbell or telephone ring because I know that it is someone looking for money from us, and we don’t have any.”

She says she’s looked in every field — retail, office work, human resources, customer service and anything else she can apply for. She’s even applied to wait tables, but they objected that her last waitressing job was 20 years ago.

The family’s precarious financial situation hasn’t just taken a toll on their finances. It’s taken over Louise’s life.

“I bite my nails. My hair is starting to fall out,” she said. “I have very little dignity left.  I can barely look at my husband, I feel so ashamed.”

Food stamps help, she says. She’s applied for Section 8 housing, started taking the bus, and, when she’s not looking for a job, spends time playing outside with her daughter.

She says that she never thought something like this could happen to two people who have worked hard all their lives.

“I never dreamed of this world that I am living in,” she said. “I hate for my daughter to see me like this, and I hope that this will be a brief period in her life that she doesn’t remember as she grows older.”

Louise created the Facebook group, “Tier V to Survive,” to rally support around Congress extending unemployment by another tier. She says she calls her Senators and representatives and faxes them daily. She says there are millions like her who have been so hurt by this recession that they won’t be able to survive without further help.

“I feel that they are so very out of touch with us,” she said.  “If they had just one relative who was going through this they would understand that we are hanging on by a fingernail.”

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Meet the 99ers: “I’m Scared”

3 Mar

99ers-hdrSusan Madrak’s 99 weeks are up.

“I’m done. My last check was three weeks ago,” she says about her unemployment benefits. She’s got two months worth of savings in the bank, but after that, she says she’s not sure what will happen.

“I’m scared,” she said. “I have a couple of job leads I’m pursuing, but who knows? I don’t really know what to do if none of this comes through.”

Susan, who’s 55 and lives in Philadelphia, has been pounding the pavement since 2008 when she was laid off from her sales job at a consulting business.

headshot“I’ve looked everywhere,” Susan said. “I have probably sent out 400 resumes in the last year and a half, two years. I’ve gotten one interview. One interview.

Although these last two years have been incredibly difficult, her saving grace has been her political blog — Suburban Guerilla — where she writes about the country, the economy and her own struggle to find work. Her readers have even pitched in when she’s been in dire straits, paying $700 a month COBRA health insurance coverage for the first 18 months of her unemployment and chipping in for car repairs.

Some conservatives cling tight to the ludicrous notion that people on unemployment are enjoying themselves and refusing to look for work. One U.S. representative recently lamented that extending unemployment benefits is “creating hobos.” Not so, says Susan.

She says it’s been nearly impossible to find a job, and anything out there offers so little security that it’s difficult to take a chance on it. If she takes a new job, but gets laid off before working there long enough to qualify for unemployment, it means she’s out of luck.

“You have to make an educated guess,” said Susan. “When you know the economy is falling down, you’re not really interested in playing dice.”

What angers her the most is the ambivalence of politicians in her own Democratic party.

“I am devastated by the fact that the party I have supported all my life is so utterly indifferent to the suffering of ordinary men and women,” said Susan. “For the first time in my life, I don’t even feel like voting.”

While Congress has passed extensions for the current tiers of unemployment, almost no one is talking about adding another tier for people like herself who have exhausted all benefits.

“They had plenty of money to prop up Wall Street. They don’t have enough money to help people who are struggling,” she says.

With no help on the horizon, Susan wonders what the next few months have in store.

“I’m sitting here wondering how I’m going to pay my bills if this money runs out,” she said. “I just don’t know.”

This post was part of my 2010 series on the 99ers  – people who were still looking for a job once their 99 weeks of unemployment were up. I’m going to be following up with these folks to find out where they are now, but you can read the previous stories here, here and here.

Meet the 99ers: “We May Never Be Gainfully Employed Again”

1 Mar

99ers-hdrYesterday, I posted the first of a five-post series that I did back in 2010 on the “99ers” – people who maxed out their 99 weeks of unemployment after the Great Recession. Despite the fact that these stories are three years old, I was surprised by how relevant they are today and how little has changed for workers in our economy. Los Angeles’ unemployment rate is still a dismal 11.3 percent.

n578893139_71574_4839Here’s Yvonne’s story:

Just a few months back, Yvonne Shine was nearly evicted from her “rinky-dink” apartment in downtown Los Angeles because she couldn’t pay her rent.

“I think I’m going to be back in the same position again by the first of next month,” she said. “I don’t have any money coming in.”

The fact that she’s been unemployed for over two years is still shocking to Yvonne. She started working at 15 years old and has decades of experience in administration, including work at a movie studio, a major university, a biomedical engineering company and more. But since she was laid off from her job as an executive assistant at a local union in 2007, she can count the number of temp jobs she’s gotten on one hand.

She spends her days reading the Bible and learning the latest software to keep her resume current. Right now, she’s mastering Windows 7 and the latest Microsoft Office.

“It never occurred to me that at my age now I would have no benefits, no pension, and be totally unemployed and virtually unable to reenter the workforce,” she said. “There is a very good chance that a lot of us in our 40s and 50s will never be gainfully employed again.”

The unemployment rate in Los Angeles is over 12 percent, and higher in the black and Hispanic communities. Yvonne says the few places that are hiring where she lives don’t even pay enough to make ends meet.

“What jobs there are out there, they don’t pay a living wage. There’s no place in this country where you can live off of $10 an hour, not even if you’re single and certainly not if you have a family,” she said.

Yvonne’s list of unpaid bills keeps rising, and the resources she has left to search for a job are waning.

“I have a $1,000 power bill. It’s by the grace of God that they transferred the service since I moved,” she said. “My phone bill is due today — I’m going to be getting a call soon saying that if I don’t pay, my service will be disconnected. I don’t own a car anymore. I don’t even have money to buy a bus pass.”

Her family and friends have helped out by paying her phone bill or her rent when they can, but they’re struggling too.

“There is only so much they can do. They can’t do it every month,” she said.

Yvonne, who was born in Alabama and grew up during the Civil Rights movement there, says she can’t fathom not exercising her right to vote, and yet she feels that there’s no one left to vote for that will respond to her pleas for help. Our elected officials, she says, seem more interested in their own job security than the suffering of the unemployed.

“It’s not representation of the people, by the people and for the people unless they’re the people,” she says.

Yvonne says she’s not worried about the future, but only because of her strong faith. Whether she finds a job or ends up in a homeless shelter next month, she says she knows she will be alright.

“It’s all in the hands of God. I fall asleep praying to God and thanking him for delivering me. He’s the only hope I’ve had, and he’s not failed me yet,” she said.

Meet the 99ers: “We Played By the Rules, and Now We’ve Lost Everything”

28 Feb

99ers-hdrI wrote this series on the 99ers – folks who have maxed out their 99 weeks of unemployment but hadn’t found a job – back in 2010 for Change.org. The pieces may be a few years old, but I was surprised how incredibly relevant they still were as I read through them. According to the February jobs report, 38 percent of the unemployed in the U.S. are considered “long-term unemployed,” meaning they’ve been out of work for 27 weeks or more. Why 27 weeks? Because these days, the extra emergency benefits that Congress approved during the recession have lapsed, and people only get 26 weeks of unemployment compensation from their state.

I need to follow up with these folks and see how they are doing now. I’ll put that on my never-ending to-do list.

Anyway, meet Ricky, a father and an electrician. His story about selling his tools to pay for his son’s medication broke my heart. Take a look, and check back for the other four posts later this week:

 

If it weren’t for his son, says Ricky Macoy, he doesn’t know if he would have survived these last two years of unemployment.

“I suffer from depression,” he says. “There are times when my situation makes me feel so hopeless I can barely get out of bed. There have been times, like about a month ago, where I was almost suicidal. If it hadn’t been for my son, I don’t know … ”

Ricky, who’s 52, has worked as an electrician for 30 years, but was laid off from his job working on ocean-going vessels in Louisiana in November of 2008 and hasn’t worked since. He and his 11-year-old son, John, have been barely scraping by during that time. He’s spent all the money he had saved in John’s college fund, and still, they may be evicted from their Texas home next week.

“I’m worried to death that if I get to be homeless that my son’s going to be take away from me and put in foster care,” Ricky says.

He says his son has been putting on a brave face, but Ricky knows it’s been hard on him too.

“He worries. He just kind of keeps things bottled up inside,” he says. “I haven’t said anything to him about the foster care. He’s very brave. He knows right now things are hard.”

Not being able to provide for his son has been the worst part of his unemployment, Ricky says. He says so many men like him have provided for their families for years, a role they’ve cherished.

“It makes you feel good when you bring home the check and you know everything is going to be alright,” he says. “When there’s nothing coming in, you feel like a failure. When I look my kid in the eye to tell him I don’t have money for a field trip for school — $12 for a field trip for school. I didn’t have it.”

But the worst day was when he had to scrounge up $5 for John’s asthma medicine. He went to the clinic and asked for samples, but no one had any. He had to sell some of his tools he used to use for work — a tool worth more than $150 sold for $10 — to get money for medicine.

Ricky says it’s maddening to know you’ve done nothing to deserve this suffering, and yet, there’s nothing you can do to escape it. He says millions like him are suffering, and no one seems to notice.

“I worked hard, played by the rules and I done lost everything I worked my whole life for,” he says. “We’re the people who helped build this economy. We’re the ones who got up every day, put our boots on and went to work. We played by the rules, and now we’ve lost everything.”

Ricky got about 60 weeks of unemployment, but his last check came February 7th. Texas didn’t qualify for Tier IV benefits because its state unemployment rate wasn’t high enough. Ricky starts his day every morning looking for jobs anywhere he can find one.

He had just gotten back from a job interview when I spoke to him yesterday morning.  Ricky was hopeful about it, but the employer still had 18 more men to interview for the position.

He says in times like these, he and his son have had to rely on prayer when they haven’t had anything else to get them through.

A few months back, when they didn’t have the money to pay the rent and were going to be evicted, he and his son got on their knees and prayed for a solution. The next day, Ricky’s brother came up with the money to pay their rent.

“My son said to me, ‘Dad, prayer really works, doesn’t it?'” Ricky says. “I said, ‘Yes, it does, son.'”

Hope seems dim for Ricky right now. He asked me if I would say a prayer for him.

I said I would.

Update 4/30/2010: Ricky called me this morning to thank me for my prayers. He got the job. He says it’s like 1,000 pounds being lifted from his shoulders. We’re so happy for him and wish him and his son the very best.

Don’t Fall in the Poverty Trap – You May Never Get Out

18 Feb

I wrote this post in Nov. 2009 and it’s one of my most viewed posts of all time. I think the concept is one that helps people think about poverty and programs that are supposed to help people get out of poverty in a new way. Take a look:

Until you earn about $40,000 a year, you’re pretty much stuck in poverty, an economist’s numbers show.

In fact, until you get past $40,000 a year, any raise or higher paying job you get might actually sink you deeper into poverty.

Take a look at this story from economist Jeff Liebman, who now works in the Obama Administration.

The poverty trap is still very much a reality in the U.S.

A woman called me out of the blue last week and told me her self-sufficiency counselor had suggested she get in touch with me. She had moved from a $25,000 a year job to a $35,000 a year job, and suddenly she couldn’t make ends meet any more. I told her I didn’t know what I could do for her, but agreed to meet with her. She showed me all her pay stubs, etc. She really did come out behind by several hundred dollars a month. She lost free health insurance and instead had to pay $230 a month for her employer-provided health insurance. Her rent associated with her section 8 voucher went up by 30% of the income gain (which is the rule). She lost the ($280 a month) subsidized child care voucher she had for after-school care for her child. She lost around $1600 a year of the EITC. She paid payroll tax on the additional income. Finally, the new job was in Boston, and she lived in a suburb. So now she has $300 a month of additional gas and parking charges. She asked me if she should go back to earning $25,000.

Take a look at this chart by economist Clifford Thies, via Greg Mankiw’s blog.

The Dead ZoneFrom the green dot, you can see that earned income rises… for a while. Then there’s this screwy wavy line. That’s the mother making a little more, but earning a little less.

$40,000 a year is about $19 an hour. Over 40 percent of Chicagoans don’t earn that much.

There aren’t that many jobs out there that make $19 an hour. Bank Teller? $13.33 an hour. Office clerk? $15.60. Retail salesperson? $11.80. Security guard? $16.14. (Statistics via Chicago Rehab network).

Our tax incentives work… initially. Then they only serve to hurt people. They say the poor don’t work hard enough, but that single mother sounds like a pretty hard working person to me. The story goes on to say that she got a weekend job, to try to make ends meet. Except after childcare and gas, it didn’t help at all.

So if working harder means people might actually earn less, how is it that we expect people to work harder?

Dwindling SROs: Hotel Chateau residents fear they’ll soon be homeless

31 Jan

Margaret and Tony don’t have much, but they get by. Sometimes, Tony jokes, their 12-year-old cat, Jason, eats better than them.

Margaret’s rough hands look like they’ve been scrubbed clean, almost to the point of being painful. She has the kind of manners that make you think she was brought up by a very attentive mother—please, thank you and pardon me.

She manages polite conversation, even though she’s terribly worried. Tony is too. They live at Hotel Chateau, a single-room-occupancy building in East Lakeview, and it’s recently been sold. If the Chateau goes the way of the handful of other SRO buildings nearby, the couple will soon be priced out.

Tony and Margaret’s names have been changed to protect their identity because they fear they’ll be kicked out of the building. Together, they survive on $1,066 a month, with each getting $533 in disability checks. Margaret has epilepsy. Tony has a hearing problem. They’ve been married for 12 years, throughout which they’ve moved from place to place in Chicago every couple of years as the rent became unaffordable.

They don’t love living at the Chateau, but it’s a roof over their head. When Tony talks about his neighbors, many of whom are drug addicts and alcoholics, he hesitates to bad-mouth them, knowing they need a place to live too.

“Let’s just say that some of our neighbors leave something to be desired,” he says.

What will happen to Margaret, Tony and their more undesirable neighbors? Local residents are trying to figure that out.

Their Day In Court

At a Tuesday court hearing, residents found out that the Chateau will be vacated and gutted. The hearing was on the building’s code violations, but residents had hoped to learn more about the sale.

In fact, 46th Ward Alderman James Cappleman had previously said more information about the owners would be revealed at the court hearing. But on Tuesday, Cappleman instead declined to state the buyer’s name, saying he had promised the new owner not to reveal the identity.

The Chicago Reporter asked Cappleman why he would make such a promise, given that Chateau residents, his constituents, are anxious about the building’s fate. He waved his hand and said, “There’s something called the First Amendment.”

Cappleman also said he wasn’t sure when the owner’s name would be disclosed. He emphasized the Chateau’s current condition was hazardous to its residents.

“My focus right now is on saving people’s lives,” said Cappleman. “My first priority is that the residents are safe.”

The Chateau has been in housing court ever since an inspection in the fall found numerous building violations, including problems with fire escapes, smoke alarms and trash piling up in hallways and garbage chutes.

A new corporation named 3838 North Broadway, the Chateau’s address, was established on Jan. 3, according to the Illinois Corporations Database, which is part of the Secretary of State’s Office. It’s not clear who owns that business, though the database listed attorney Gerard Walsh as its registered agent. Walsh did not answer his phone or return voicemails seeking comment. The attorney who represented the corporation in court, Mitchell Asher, declined to comment on the identity of the building’s new owner.

Real estate mogul Jamie Purcell of BJB Properties has already purchased four former SROs in the neighborhood–the Ambers, the Bel-Air, the Sheffield and the Abbott. All of those buildings have been vacated, rehabbed and are being reopened as high-end studio apartment buildings that are not affordable for Margaret and Tony, who pay $575 a month at the Chateau. Purcell did not return several voicemails the Reporter left at his Park Ridge office.

Searching For Home

Meanwhile, Margaret and Tony are looking for another place to live, but they are not too optimistic. Most nonprofits or programs that have low-income housing don’t allow couples to live together. Or they have a long waiting list.

“We are on a number of waiting lists,” says Margaret.

When they hear that neighborhood residents are afraid of the people who live at the Chateau, they sympathize. They’re often bothered by their neighbors too.

But among the 138 rooms at the Chateau, they say, are people like themselves—working-class people, poor people, ordinary people who do not have any other place to go.

Chester Kropidlowski is one of those in the neighborhood who’s bothered by Chateau patrons. Some of them, he says, panhandle in front of the building; others loiter there too or at a bus shelter nearby. Neighbors feel the building’s residents contribute to crime in the area.

But Kropidlowski also recognizes that there are people whom he described as “poor souls” living at the Chateau and causing no trouble. He contends that the big problem is how the building is managed.

“The same person has owned it for many, many years,” says Kropidlowski, president of the board of the local neighborhood group, East Lake View Neighbors. “Apparently, the person lives in a gated community in Florida, impossible to contact, and he has only responded to concerns in the past when he had no other choice.”

Kropidlowski is referring to Jack Gore, who has owned other troubled Chicago SROs. In 2008, Gore relinquished ownership of the Diplomat Hotel, also in Lakeview, when the building began to rack up fines from code violations. The business number for Gore at Cedar Hotel has been disconnected. Gore’s lawyer, Leon Wexler, confirmed Gore no longer owns the Chateau, but he wouldn’t comment further.

A Safe Haven, A Safe Community

It’s clear the Chateau isn’t the neighborhood’s favorite, but Kropidlowski hopes it can be turned into something he and others would be “proud to have in the community.”

In essence, Kropidlowski, Margaret and Tony all want the same thing–a safe Hotel Chateau and a safe neighborhood. It’s just that getting it will likely mean Margaret and Tony can no longer live there.

“They’ll straighten it up, and then they’re going to charge a lot more money,” says Margaret.

Sreya Sarkar has noticed the decline of available SRO housing in the neighborhood in her job as education and advocacy director at Lakeview Pantry, a food pantry that sits across the street from the Chateau. She estimates that Lakeview has lost at least 400 affordable units over the last two years.

Working at the pantry, she gets to meet plenty of Chateau residents like Margaret and Tony.

“They’re good citizens,” says Sarkar. “They don’t cause trouble. They don’t have substance abuse issues. They want to live peacefully there. They just don’t have another place to go to because other SROs have closed down.”

A local group that advocates for affordable housing, Lakeview Action Coalition, is hoping it can convince the hotel’s new owner to keep at least part of the building affordable. Bharathi Gunasekaran, a housing organizer with the coalition, says many of the Chateau’s tenants come from other places nearby that have closed.

“A lot of people have moved from one SRO to another as they’ve been closing,” says Gunasekaran.

Gunasekaran was upset to hear that the building would be vacated.

“Once the residents move out, they have no chance of moving back in,” she said.

After the court hearing, residents of the Chateau surrounded Cappleman, questioning him about the building’s future and their own. When Cappleman replied that he was working with the Chicago Department of Family and Supportive Services to help residents find housing, all Margaret could do was sigh.

“We’re going to end up on the street,” she said.

First posted at Chicago Muckrakers on Jan. 31, 2013

Neighbors help 76-year-old woman fight to keep home that’s been in her family for generations

22 Jan

Mary Bonelli hardly knew anyone among the 40 or so people clustered in front of her two-story brick home in Belmont-Cragin.

“They’re all strangers,” she said. “It means a lot knowing that I am not alone.”

The “strangers” were from Chicago’s Communities United Against Foreclosure and Eviction. They had gathered to protest Bonelli’s forthcoming eviction from her home and support her as she announced her plans to stay, despite the foreclosure.

“Today, I am out of legal options, but I still have the option to stay here and fight for my house, as long as all of you will fight with me,” Bonelli told the crowd on Jan. 16.

Earlier that day, Bonelli found out her name was being put on the Cook County sheriff’s eviction list, meaning she could be thrown out of her home any day now. But she hasn’t left, nor does she plan to. She, along with volunteers from Communities United Against Foreclosure and Eviction, are also planning to have an eviction blockade, where people block the sheriff’s department from accessing the home to remove Bonelli.

Rebecca Burns, a volunteer with Communities United Against Foreclosure and Eviction, told The Chicago Reporter today in an email that the group is developing a phone tree of neighbors and supporters who would participate in the eviction blockade.

“We are hoping that the bank will agree to negotiate before the situation reaches this point, but Mary’s neighbors will not stand by while a 76-year-old woman with no place else to go is evicted,” Burns said.

Bonelli said a bank error triggered the foreclosure of her home. Apparently, Fifth Third bank’s automatic payment system that was supposed to deduct her mortgage payment each month stopped working. Even though she said the money is still sitting in her bank account, the foreclosure went through quickly, and the home was sold to the Federal National Mortgage Association, Fannie Mae, in October 2012.

Representatives from Fifth Third Bank and Fannie Mae did not respond to emails and voicemails from The Chicago Reporter asking for comment on Bonelli’s case.

Bonelli’s grandparents bought the home at 2334 N. Mason Ave. in 1921, and three generations of her family have lived there. She was born in Chicago and has lived in this house since 1958. Losing her home would be heartbreaking. But she’s not going to back down from fighting what she says is a fraudulent foreclosure.

“I’m not afraid. Let them throw me in jail,” she said. “I’m old and sick, and I got no place to go.”

Bonelli is 76, can no longer walk and has cancer. While talking as she sat on the front porch, she removed two rubber bands wrapped around an Elizabeth Taylor White Diamonds box. She lifted the lid, revealing dozens of containers of her medications. One for high blood pressure, others were for heart and lung problems. The stress of the foreclosure and eviction have made her health problems worse. She couldn’t attend the last court date because she had severe chest pain.

“You can’t eat. You can’t sleep,” said Bonelli. “It’s been terrible.”

Bonelli says she paid a lawyer $2,500 upfront to fight the foreclosure, but instead of petitioning to get the case thrown out, he went along with the foreclosure and then dropped her case. Her attorneys later told the Reporter that by the time they took her case, there was not much that could be done.

As a result, her case went through the system quickly, instead of taking months or even years like many Illinois foreclosures.

Bonelli connected with the Communities United group through an old neighbor, Sabrina Morey, when they were at the local currency exchange. Morey, who is a member of the group, calls Bonelli her “adopted grandmother.”

When Morey heard about what was going on with her neighbor’s home, she was determined to help her “grandmother” fight.

Bank officials have told Bonelli that it was “too late” to stop the foreclosure, even though she says the money was always there in her bank account and she has contacted the bank to try to pay several times, to no avail. She also attempted to get a loan modification to avoid foreclosure, but it was denied. Morey says the bank could choose to stop the foreclosure if they wanted to, but haven’t.

“It’s never too late,” said Morey. “I think that’s a bunch of crap.”

Burns, the Communities United volunteer, said that while Bonelli’s specific circumstances aren’t common, many other homeowners have been foreclosed upon in error, but banks are reluctant to stop proceedings.

“It defies reason that banks would rather continue foreclosing than admit wrongdoing, but federal programs to prevent foreclosure have not adequately addressed the substantial incentives that mortgage servicers have to foreclose rather than negotiate,” said Burns.

And now that Fannie Mae owns the home, it’s even more difficult to negotiate.

Burns said that Bonelli’s case is part of a national campaign to clean up Fannie Mae and Freddie Mac practices.

“All across the country, there are cases like Mary’s where Fannie and Freddie are blocking negotiations that would allow a homeowner to remain in their home,” she said.

Burns pointed to a recent case in Springfield, Mass. where Fannie Mae decided to negotiate with a homeowner for a potential buyback deal, rather than evict them, after the homeowner staged an eviction blockade.

Bonelli is grateful to Communities United for giving her the idea to fight for her home. Through the entire process of foreclosure, she’s felt alone, but not now.

As the crowd dispersed, they continued to chant, yelling “Who’s house? Mary’s House!”

“My house!” shouted Bonelli, her voice a bit hoarse, but a smile on her face.